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Seward County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Seward County, Kansas based on real HMDA transaction records.

Loan Details

Seward County, KS Benchmarks

FHA averages
Typical Property Value$216,313
Average Down Payment6.7%
Average Interest Rate6.140%
Effective Tax Rate1.56%
Median Tax Paid$2,284/yr
Tax Growth (Historical)-1.8%
Based on 99 regional loans totaling $19,745,000 (HMDA database).
$
%

$14,493 down · $201,820 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$281 / month

$

Annual premium

$

Per month

%

$86 / month

Estimated Monthly Payment

$1,767/mo

  • Principal & Interest$1,250
  • Property Tax$281
  • Home Insurance$150
  • FHA MIP$86
Amortization · Remaining Balance

Financed Loan Amount

$205,352

Total Interest

$244,552

Total of Payments

$449,904

*Includes financed FHA Upfront MIP of $3,532

Local Market Insights

Seward County FHA Mortgage Overview

In Seward County, the FHA loan data reveals an accessible market for owner-occupants, with a 6.68% down payment and 93.32% LTV ratio. This low entry point is ideal for buyers with sub-620 credit, but note that FHA mortgage insurance premiums (MIP) are required for the loan’s life. The 6.14% interest rate and 1.56% effective property tax rate, combined with a recent -1.8% inflation-adjusted tax decrease, slightly improve monthly affordability. When evaluating Seward County FHA loan limits and tax implications, the weighted average property value of $216,313 means true monthly costs hinge on permanent MIP and stable tax burden, making this a predictable, entry-friendly market for primary residences.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.